What This License Is
A Nebraska Accident & Health license lets you sell health, accident, disability, and related products to people and businesses in Nebraska. It is issued by the Nebraska Department of Insurance.
Licensing runs through the same process as every Nebraska producer line — the difference is the focused Accident & Health exam.
Exam Options & Format
The Accident & Health exam is Sickness, Accident & Health (Series 13-02): 100 scored (+5-10 unscored trial items) questions, 2 hr (VERIFY — from secondary sources), $43 per attempt. Passing standard: 70% (70 correct of 100).
Nebraska also offers the combined exam (Life and Sickness, Accident & Health (Series 13-03): 150 scored questions, 2 hr 30 min (VERIFY), $47), which licenses both lines in one sitting. If there is any chance you will sell life or annuity products later, the combined exam is usually the better value.
Nebraska doesn't require pre-licensing education
Nebraska is one of the states with no mandatory pre-licensing course. You're allowed to register for the exam and sit it whenever you're ready - the law only requires that you be at least 18, maintain your principal residence in Nebraska, be of good character and financially responsible, and pass the exam.
That freedom cuts both ways. There's no classroom requirement holding you back, but there's also no required course walking you through the material, so the weight of preparing for a 150-question combined Life, Accident and Health exam sits squarely on your study plan. Most candidates who pass treat a structured prep course as optional-but-smart rather than a legal hoop.
Eligibility basics
To get a Nebraska resident producer license you must be at least 18 years old, keep your principal place of residence in Nebraska, and be competent, trustworthy, and financially responsible with a good personal and business reputation.
Passing the exam doesn't automatically issue your license. The Department reviews your full application before granting it, and any misdemeanor or felony history can affect the outcome - so a clean, complete application matters as much as the exam score.
Background check - but no fingerprints
Nebraska runs a state and federal criminal history background check as part of the application review, but it does NOT require you to submit fingerprints. That's a meaningful difference from many states - there's no Live Scan or card-based fingerprint step and no separate fingerprint vendor fee to budget for.
If you answer 'yes' to any of the background questions on the application, you'll upload supporting documents through NIPR's Attachments Warehouse (or send them to the Department by mail, email, or fax).
Remote proctoring is gone - plan for a test center
Heads up on a recent change: effective March 16, 2026, Nebraska no longer offers remote online proctored exams. The 2024 PSI bulletin still describes a remote option, but it's been discontinued - every candidate now tests in person at a PSI site.
PSI runs test centers across the state, including Lincoln, Omaha, Grand Island, Norfolk, North Platte, Scottsbluff, and Sidney, and you can also test at PSI centers nationwide. Plan to arrive 30 minutes early with one current, government-issued photo-and-signature ID.
Unlimited retakes
Nebraska exams are open eligibility - you can test as many times as you need to until you pass. You just can't rebook on the same day you tested; results have to process first. Fail on a Wednesday and you can call the next day and retest as early as Friday, subject to seat availability.
Each attempt requires a fresh exam fee, and that fee is non-refundable and non-transferable. The fee stays valid for one year from the date of payment.
What it costs
Two main costs: the PSI exam fee for the combined Life, Accident and Health line, and the $50 resident producer license fee you pay through NIPR after you pass (plus a small NIPR transaction charge). With no pre-licensing requirement and no fingerprinting, those are essentially your only mandatory expenses.
Budget for a prep course if you want one, but legally it's optional. The exam fee covers a single attempt, so the cheapest path to licensure is passing on the first try.
Keeping the license: CE and renewal
Important CE details: 24 hours every two years (21 general + 3 ethics). Your first renewal is CE-exempt. Renewals follow your birth-month cycle, and CE must be on file before you can renew - eligibility starts 24 hours after your provider uploads credits.
Once licensed, Nebraska resident producers complete 24 hours of approved CE every two years - 21 general hours plus 3 hours of ethics. 24 hours is the maximum for any combination of license lines, so adding lines doesn't multiply your CE.
Your license renews on a birth-month, biennial cycle tied to whether your birth year is even or odd. New licensees get a break: you're exempt from CE for your very first renewal. After that, CE has to be on file before you can submit a renewal - the renewal window opens 90 days before expiration, but only once your credits are posted.
Applying for your license
After you pass, PSI uploads your result to the Department - allow 2-3 business days. Then apply online at NIPR (nipr.com), pay the $50 fee, and allow another 3-5 days for processing. Once it's approved you can download or print your license from NIPR.
You have one year from your exam pass date to submit a complete application; after that the exam credit lapses. And remember - you must actually hold the issued license before you sell, solicit, or negotiate insurance in Nebraska.
What the L&H exam covers
Series 13-03 blends general principles with Nebraska law. The biggest weighted areas are Insurance Regulation (about 15%) and General Insurance (about 10%), followed by life basics, life policies, policy provisions/riders, annuities, and a substantial health block covering medical plans, the ACA, group plans, disability, dental, and senior products like Medicare and long-term care.
If you've studied a national L&H curriculum, most of it transfers - the Nebraska layer is mainly the regulatory statutes (the 44-xxxx citations) and a handful of state administrative-code rules on replacement, suitability, illustrations, and senior products.
Senior products carry extra training gates
Two training requirements sit outside the exam but matter the moment you start selling. Before you can sell long-term care insurance, Life or Accident & Health licensees must complete an approved 8-hour LTC course, plus a 4-hour LTC refresher tied to your renewal cycle. Annuity sales require approved annuity suitability training as well.
On the exam side, expect questions on Medicare Parts A-D, Medicare Supplement standardization and replacement rules, Medicaid eligibility, and the LTC benefit triggers (activities of daily living and cognitive impairment).
Replacement, suitability, and illustrations
Nebraska codifies the consumer-protection rules you'll see tested: policy replacement procedures (210 NAC Ch. 19), solicitation and sales conduct (Ch. 33, including the Buyer's Guide and policy summary), life insurance illustrations (Ch. 72), and annuity suitability (44-8101 to 44-8109).
Know the free-look / right-to-examine provision (44-502.05) and the required life policy provisions in 44-502 - grace period, reinstatement, incontestability, misstatement of age or sex, and the suicide exclusion are reliable exam fodder.
Quick Reference
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